Benefits of Forfaiting as a financing tool for international trade

• Autor: Pumasunco Rivera, Manuel Fernando
• Formato: artículo
• Fecha de Publicación: 2025
• Institución: Universidad Nacional de Ingeniería
• Repositorio: Revistas - Universidad Nacional de Ingeniería
• Lenguaje: español; inglés
• OAI Identifier: oai:oai:revistas.uni.edu.pe:article/2267
• Enlace del recurso: https://revistas.uni.edu.pe/index.php/iecos/article/view/2267
• Nivel de acceso: acceso abierto
• Materia: Comercio internacional; Medio de pago internacional; carta de credito; cobranzas documentaria; transferencia swift; fcatoring internacional; forfaiting; International trade; International payment method; letter of credit; documentary collection; Swift transfer; international factoring

The study aimed to provide the benefits of forfaiting, as a financing tool for international trade. In addition, demonstrate how international payment methods can be used as a financing tool, specifically on the confirmed letter of credit that is used to generate a forfaiting. The documentary method was used, considering scientific research published in indexed journals in the last five years. In addition, the synthesis method was used for data analysis, and it was qualitative considering the opinion of the authors and experts in the field. Case studies were also demonstrated through prestigious banking entities. Among the main results, the obtaining of liquidity was considered, which showed that the forfeiting process allows the availability of cash to be advanced. The minimum percentage of companies that use forfaiting and the competitive advantage of using it and being able to negotiate with clients credit terms greater than one hundred and eighty days were also considered. Regarding limitations, the low dissemination of this tool in small and medium-sized companies and a small number of investigations in this regard were evident. The study concluded that forfaiting is a financial tool for international trade operations, which provides liquidity and reduces the risk of non-payment. Gives competitive advantage to importers and exporters. However, it is not widely used by small and medium-sized companies due to its limited diffusion.